Civic Intelligence

Phone Co Credit Union

EIN 36-0862525 • 501(c)14 • Bannockburn, IL

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Profile

CREDIT UNION

2111 Waukegan RdBannockburn, IL 60015

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2015

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2015

Net Margin

40th percentile

-114%

Higher net margin than 40% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2013 to 2015

Revenue Growth

85th percentile

-6.3%

Faster revenue growth than 85% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2013 to 2015

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $6,253,503 (-100%) from 2014

Liabilities

Down

$0

Down $5,215,693 (-100%) from 2014

Net Assets

Down

$0

Down $1,037,810 (-100%) from 2014

Operations
Liabilities / Revenue95th percentileNet Margin40th percentile

Revenue

Down

$198,435

Down $26,398 (-12%) from 2014

Expenses

Up

$425,106

Up $9,840 (+2.4%) from 2014

Net Income

Down

-$226,671

Down $36,238 (-19%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$10M$5.0M$0Assets 2010: $8,952,299Liabilities 2010: $7,040,046Net Assets 2010: $1,912,2532010Assets 2011: $8,072,726Liabilities 2011: $6,318,686Net Assets 2011: $1,754,0402011Assets 2012: $7,424,521Liabilities 2012: $5,903,360Net Assets 2012: $1,521,1612012Assets 2013: $6,797,492Liabilities 2013: $5,569,251Net Assets 2013: $1,228,2412013Assets 2014: $6,253,503Liabilities 2014: $5,215,693Net Assets 2014: $1,037,8102014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2015

Assets$0
Liabilities$0
Net Assets$0
Open 2015 Filing

Operations Trend

Revenue Growth85th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $556,0552010Expenses 2011: $460,8342011Expenses 2012: $488,1162012Revenue 2013: $226,039Expenses 2013: $518,959Net Income 2013: -$292,9202013Revenue 2014: $224,833Expenses 2014: $415,266Net Income 2014: -$190,4332014Revenue 2015: $198,435Expenses 2015: $425,106Net Income 2015: -$226,6712015

Highlighted filing

2015

Revenue$198,435
Expenses$425,106
Net Income-$226,671
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$198,435
Expenses
$425,106
Net income
-$226,671
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.20$0.43$0.23
2014Detailed filing. Detailed filing data is available for this year.$6.25$5.22$1.04$0.22$0.42$0.19
2013Detailed filing. Detailed filing data is available for this year.$6.80$5.57$1.23$0.23$0.52$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.42$5.90$1.52$0.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.07$6.32$1.75$0.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.95$7.04$1.91$0.56
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Nov 30, 2015
Signed
Mar 21, 2016
Return Version
2015v2.1
Gross Receipts
$198,435
Mission and Program Overview

Mission

CREDIT UNION

Credit union our goal is to provide high quality financial service by offering fair and competitive rates to meet the needs of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$3,037,142--
Other Notes and Loans Receivable, Net$2,714,588--
Rtn Earn Endowment Incm Other Fnds$1,037,810--
Land, Buildings, and Equipment, Net$211,108--
Savings and Temporary Cash Investments$180,851--
Cash and Non-Interest-Bearing Accounts$17,454--
Prepaid Expenses and Deferred Charges$15,089--
Receivables From Officers Etc$12,060--
Accounts Receivable$8,512--
Total Assets$6,253,503$0▼ $6,253,503
Other Assets Total$56,699--
Liabilities
Other Liabilities$5,204,767--
Accounts Payable and Accrued Expenses$10,926--
Total Liabilities$5,215,693$0▼ $5,215,693
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,037,810$0▼ $1,037,810
Total Liabilities and Net Assets / Fund Balance$6,253,503$0▼ $6,253,503
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Marilyn B KolodziejManager/directorFT$64,178$779$64,957

Board Members and Trustees

NameTitle
Thomas BellChairman
Timothy McguireVice-chairman
David DominguezDirector
Dennis SoszynskiDirector
Robert SchaeferDirector
Bridget GawendaSecretary
Richard WagnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$175,324
Investment Income
$13,498
Other Revenue
$9,613
Change in Net Assets
$-226,671
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$233,235
Salaries, Compensation, and Employee Benefits$191,866
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$87,376--$87,376
Current Officers, Directors, Trustees, and Key Employees$64,957--$64,957
Other Expenses$58,562--$58,562
Office Expenses$43,307--$43,307
Occupancy$41,514--$41,514
Depreciation Depletion$33,821--$33,821
Other Employee Benefits$20,248--$20,248
All Other Expenses$18,424--$18,424
Payroll Taxes$11,920--$11,920
Insurance$9,241--$9,241
Pension Plan Contributions$7,365--$7,365
Fees for Services Accounting$6,340--$6,340
Interest$5,524--$5,524
Conferences and Meetings$1,236--$1,236
Advertising$527--$527
Fees for Services Legal$250--$250
Benefits to Members$5--$5
Total Functional Expenses$425,106$0$0$425,106
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$12,060--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares-
Member Certificates-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 9

“Thomas bell 14031 thomas orland park il 60462 dave dominguez 5015 w 121st st alsip il 60658 bridget gawenda 3215 n southport chicago il 60657 timothy mcguire 17857 brookfield cr orland park il 60462 robert schaefer 10401 brookridge creek dr frankfort il 60423 dennis soszynski 1810 bolson downers grove il 60516 richard wagner 152 west trail grayslake il 60030”

Filing and Contact Details

Filer

Filer Name
Phone Co Credit Union
EIN
36-0862525
Phone
8475787000
Address
2111 WAUKEGAN RD, BANNOCKBURN, IL 60015

Signing Officer

Name
Kamil Sakici
Title
Evp/CFO
Phone
8475787000
Signed
2016-03-21
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
7
Employees
3
Volunteers
7

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt III, Line 3

“The credit union has merged into another credit union”

Pt VI, Line 6

“Members of the credit union are considered shareholders”

Pt VI, Line 7A

“Members of the credit union vote for the board of directors at the annual meeting”

Pt VI, Line 11B

“The president reviews prior to filing and the directors are informed that the 990 is completed and is available for their review”

Pt VI, Line 19

“Documents are available upon request”

Pt XII, Line 1

“The credit union uses a modified cash value”

Pt XI

“Change due to all assets being transferred due to merger”

Form 990EZ, Part II, Line 24

“Accounts receivable - net receivables from officers & others other receivables prepaids investments”

Form 990EZ, Part II, Line 26

“Accounts payable & accrued expenses”

Form 990, Part IX, Line 24F

“Miscellaneous exp 4576. 4576. Ncusif deposit impairment 0. 0. Investment impairment 0. 0. Dfi regulatory fee 4435. 4435. Leasehold improvements write off 9413. 9413.”

Raw XML Appendix373 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CREDIT UNION MERGED
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02015-12-01
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0361163912
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt05772208
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt0501(C)14
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0HISTORICAL COST
IRS990ScheduleN/DispositionOfAssetsDetail/PersonNm0GREAT LAKES CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt02111 WAUKEGAN ROAD
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0BANNOCKBURN
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0IL
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd060015
IRS990ScheduleN/EmployeeOfSuccessor2Ind0false
IRS990ScheduleN/OwnerOfSuccessor2Ind0false
IRS990ScheduleN/ReceiveCompensation2Ind0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MERGED INTO ANOTHER CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ARE CONSIDERED SHAREHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION VOTE FOR THE BOARD OF DIRECTORS AT THE ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS PRIOR TO FILING AND THE DIRECTORS ARE INFORMED THAT THE 990 IS COMPLETED AND IS AVAILABLE FOR THEIR REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION USES A MODIFIED CASH VALUE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE DUE TO ALL ASSETS BEING TRANSFERRED DUE TO MERGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ACCOUNTS RECEIVABLE - NET RECEIVABLES FROM OFFICERS & OTHERS OTHER RECEIVABLES PREPAIDS INVESTMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ACCOUNTS PAYABLE & ACCRUED EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THOMAS BELL 14031 THOMAS ORLAND PARK IL 60462 DAVE DOMINGUEZ 5015 W 121ST ST ALSIP IL 60658 BRIDGET GAWENDA 3215 N SOUTHPORT CHICAGO IL 60657 TIMOTHY MCGUIRE 17857 BROOKFIELD CR ORLAND PARK IL 60462 ROBERT SCHAEFER 10401 BROOKRIDGE CREEK DR FRANKFORT IL 60423 DENNIS SOSZYNSKI 1810 BOLSON DOWNERS GROVE IL 60516 RICHARD WAGNER 152 WEST TRAIL GRAYSLAKE IL 60030
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10MISCELLANEOUS EXP 4576. 4576. NCUSIF DEPOSIT IMPAIRMENT 0. 0. INVESTMENT IMPAIRMENT 0. 0. DFI REGULATORY FEE 4435. 4435. LEASEHOLD IMPROVEMENTS WRITE OFF 9413. 9413.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt III, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt XII, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt XI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990, Part VI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0true
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06253503
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt06253503
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0425106
IRS990/TotalFunctionalExpensesGrp/TotalAmt0425106
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05215693
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt05215693
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01037810
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt0779
IRS990/TotalProgramServiceRevenueAmt0175324
IRS990/TotalReportableCompFromOrgAmt064178
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0198435
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0198435
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06253503
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02111 WAUKEGAN RD
IRS990/USAddress/CityNm0BANNOCKBURN
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060015
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KAMIL SAKICI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EVP/CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum08475787000
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PHONE CO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PHON
ReturnHeader/Filer/EIN0360862525
ReturnHeader/Filer/PhoneNum08475787000
ReturnHeader/Filer/USAddress/AddressLine1Txt02111 WAUKEGAN RD
ReturnHeader/Filer/USAddress/CityNm0BANNOCKBURN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060015
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HOMER WILSON & CO LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0900 RIDGE ROAD SUITE S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNSTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0463211727
ReturnHeader/PreparerPersonGrp/PhoneNum02198364930
ReturnHeader/PreparerPersonGrp/PreparationDt02016-04-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RAY SUORANTA
ReturnHeader/ReturnTs02016-04-15T10:28:20-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-11-30
ReturnHeader/TaxYr02015

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